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Last update at 2025-06-12T13:30:00Z
Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 5.08M | 5.82M | 4.60M | 4.10M | 4.14M |
| Minority interest | - | - | - | - | 0.00000M |
| Net income | 4.87M | 5.39M | 4.26M | 3.72M | 3.82M |
| Selling general administrative | 2.52M | 2.23M | 2.19M | 2.29M | 2.08M |
| Selling and marketing expenses | 0.46M | 0.42M | 0.42M | 0.39M | 0.38M |
| Gross profit | 18.54M | 17.91M | 15.86M | 15.25M | 15.43M |
| Reconciled depreciation | - | - | - | - | - |
| Ebit | 5.08M | 5.82M | 4.60M | 4.10M | 4.14M |
| Ebitda | -0.15852M | -0.15578M | -0.08172M | -0.05054M | -0.12237M |
| Depreciation and amortization | -5.23492M | -5.97957M | -4.67939M | -4.15070M | -4.26633M |
| Non operating income net other | - | - | - | - | 0.00000M |
| Operating income | 5.23M | 5.98M | 4.68M | 4.15M | 4.27M |
| Other operating expenses | 13.46M | 12.09M | 11.27M | 11.15M | 11.29M |
| Interest expense | - | 0.00000M | 0.00000M | 0.00000M | 0.00000M |
| Tax provision | - | - | - | - | - |
| Interest income | - | - | - | - | - |
| Net interest income | - | - | - | - | - |
| Extraordinary items | - | - | - | - | 0.00000M |
| Non recurring | - | - | - | - | 0.00000M |
| Other items | - | - | - | - | 0.00000M |
| Income tax expense | 0.20M | 0.43M | 0.34M | 0.38M | 0.32M |
| Total revenue | 18.54M | 17.91M | 15.86M | 15.25M | 15.43M |
| Total operating expenses | 13.46M | 12.09M | 11.27M | 11.15M | 11.29M |
| Cost of revenue | - | - | - | - | 0.00000M |
| Total other income expense net | -0.15852M | -0.15578M | -0.08172M | -0.05054M | -0.12237M |
| Discontinued operations | - | - | - | - | 0.00000M |
| Net income from continuing ops | - | - | - | 3.72M | 3.82M |
| Net income applicable to common shares | 4.87M | 5.39M | 4.26M | 3.72M | 3.82M |
| Preferred stock and other adjustments | - | - | - | - | 0.00000M |
| Breakdown | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 |
| Total assets | 565.58M | 558.53M | 571.20M | 574.72M | 526.75M |
| Intangible assets | - | - | 0.05M | 0.14M | 0.23M |
| Earning assets | - | - | - | - | - |
| Other current assets | 14.99M | 31.39M | 2.20M | 1.86M | 1.78M |
| Total liab | 547.89M | 538.25M | 557.51M | 528.22M | 477.94M |
| Total stockholder equity | 17.69M | 20.28M | 13.68M | 46.50M | 48.80M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | 406.55M | 390.55M | - | - | - |
| Common stock | 0.81M | 0.81M | 0.81M | 0.81M | 0.81M |
| Capital stock | 0.81M | - | - | - | - |
| Retained earnings | 70.38M | 68.77M | 66.84M | 63.55M | 59.79M |
| Other liab | - | - | 2.70M | 3.59M | 4.99M |
| Good will | 2.65M | 2.65M | 2.65M | 2.65M | 2.65M |
| Other assets | 551.06M | 2.09M | 545.42M | 545.81M | 496.68M |
| Cash | 12.83M | 29.30M | 15.48M | 18.49M | 19.26M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 407.44M | 390.55M | 0.17M | 0.07M | 0.18M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | -12.82612M | -19.44616M | -15.47949M | -18.49345M | -19.25525M |
| Short term debt | - | - | - | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | - | 9.85M | - | - | - |
| Other stockholder equity | -53.49908M | -18.40572M | -53.97129M | -17.85949M | -11.79552M |
| Property plant equipment | - | - | 7.59M | 7.63M | 7.93M |
| Total current assets | 29.99M | 29.30M | 15.48M | 18.49M | 19.26M |
| Long term investments | 146.40M | - | - | - | - |
| Net tangible assets | - | - | 10.98M | 43.71M | 45.92M |
| Short term investments | - | - | - | - | - |
| Net receivables | 2.17M | - | - | - | - |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | 0.00950M | - | - |
| Accounts payable | 0.89M | - | 524.84M | 504.81M | 455.27M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | - | -30.89457M | - | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -156.24517M | 512.96M | -10.29374M | -10.41880M | -10.81585M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 535.59M | 527.15M | 10.29M | 10.42M | 10.82M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -20.42501M | -48.95041M | -57.25596M | -7.32332M | 14.17M |
| Change to liabilities | 0.00000M | 0.00000M | 0.00000M | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -35.94772M | -55.03374M | -91.77742M | -24.71323M | 8.90M |
| Net borrowings | 10.00M | 2.50M | 2.50M | -11.21500M | -9.78500M |
| Total cash from financing activities | 26.73M | 47.52M | 89.50M | 24.21M | -17.07087M |
| Change to operating activities | -0.24391M | -0.45645M | 0.21M | -0.73310M | 1.07M |
| Net income | 4.87M | 5.39M | 4.26M | 3.72M | 3.82M |
| Change in cash | -3.01396M | -0.76180M | 6.37M | 3.59M | -2.66320M |
| Begin period cash flow | 18.49M | 19.26M | 12.89M | 9.30M | 11.96M |
| End period cash flow | 15.48M | 18.49M | 19.26M | 12.89M | 9.30M |
| Total cash from operating activities | 6.21M | 6.75M | 8.65M | 4.10M | 5.51M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 0.72M | 0.80M | 0.88M | 0.83M | 0.92M |
| Other cashflows from investing activities | -0.05330M | -0.05330M | -0.09600M | -0.09600M | -0.01340M |
| Dividends paid | -1.58530M | -1.68220M | -1.68312M | -1.73808M | 1.76M |
| Change to inventory | - | - | - | - | 0.00000M |
| Change to account receivables | -0.33852M | -0.08180M | -0.31138M | -0.05446M | -0.00793M |
| Sale purchase of stock | -1.72071M | -2.57658M | -1.46337M | -1.12203M | -0.89699M |
| Other cashflows from financing activities | 40.03M | 59.28M | 95.14M | 53.28M | 10.58M |
| Change to netincome | 1.14M | 1.09M | 3.61M | 0.33M | -0.29341M |
| Capital expenditures | 0.60M | 0.40M | 0.36M | 0.49M | 0.35M |
| Change receivables | - | - | - | - | 0.00000M |
| Cash flows other operating | - | - | - | - | 0.00000M |
| Exchange rate changes | - | - | - | - | 0.00000M |
| Cash and cash equivalents changes | - | - | - | - | 0.00000M |
| Change in working capital | -0.33852M | -0.08180M | -0.31138M | -0.05446M | -0.00793M |
| Stock based compensation | 0.45M | 0.43M | 0.44M | 0.42M | 0.46M |
| Other non cash items | 0.50M | 0.21M | 3.38M | -0.82595M | 0.32M |
| Free cash flow | 5.61M | 6.35M | 8.29M | 3.61M | 5.16M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| ANDC Andover Bancorp Inc |
0.16 0.88% | 18.78 | 12.57 | - | 2.20 | 2.27 | 2.75 |
| HDB HDFC Bank Limited ADR |
-1.95 2.57% | 73.93 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.32 0.96% | 32.98 | 6.61 | 5.68 | 0.48 | 0.77 | 3.43 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 6.50 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
| IBN ICICI Bank Limited |
-0.405 1.21% | 33.09 | 17.79 | 16.95 | 0.07 | 3.08 |
Andover Bancorp, Inc. operates as the bank holding company for Andover Bank that provides commercial and retail banking products and services. The company offers savings and checking accounts, individual retirement accounts, and certificates of deposit. It also provides mortgage, construction, home equity, vehicle, student, and personal loans; term, commercial real estate, working capital lines of credit, equipment financing, investment property, land development, acquisitions, and partnership buyouts, as well as municipal and non-profit financing services; and debit and credit cards. In addition, the company provides overdraft protection, remote deposit capture, automatic account transfer and payments, cash management, lock box and safe deposit boxes, lock bags and night deposit, and ACH and wire services; mobile and online banking services; and investment and insurance products. The company was founded in 1884 and is headquartered in Andover, Ohio.
600 East Main Street, Andover, OH, United States, 44003
| Name | Title | Year Born |
|---|---|---|
| Mr. Stephen E. Varckette | Pres, CEO & Director | NA |
| Mr. Edward B. Debevec | VP, Treasurer & CFO | 1959 |
| Ms. Kimberly A. Giddings | Sr. VP of Operations | NA |
| Mr. Richard B. Kotila | VP, Gen. Counsel & Sec. | NA |
| Ms. Nancy C. Cook | Sr. VP of HR | NA |
| Mr. Craig A. Cumberworth | Sr. VP of Retail Banking | NA |
| Mr. Daniel J. Weber | Sr. VP of Credit Admin. & Retail Lending | NA |
| Sean C. Dockery | Sr. VP of Commercial Banking & Sr. Lending Officer | NA |
| Mr. Stephen E. Varckette | President, CEO & Director | NA |
| Mr. Edward B. Debevec | Senior VP, Treasurer & CFO | 1959 |
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